This is a simple comparison between XRP and XLM:

🔹 Purpose

XRP (Ripple): Designed to optimize financial transfers between banks and large institutions.

XLM (Stellar): Designed to serve individuals and small businesses, especially in underserved areas.

🔹 Key Partners

XRP: Collaborates with global financial giants such as Santander and Bank of America.

XLM: Partners with IBM and non-profit organizations to connect traditional and digital financial systems.

🔹 Technology

XRP: Uses the XRP ledger for fast, cost-effective payments.

XLM: Operates on the Stellar network for seamless currency conversions.

🔹 Fees

XRP: Transaction costs a fraction of a cent.

XLM: Fees are nearly zero (0.00001 XLM per transaction), ideal for small payments.

🔹 Transaction Speed

Both: Process transactions in just 3-5 seconds.

🔹 Supply

XRP: Capped at 100 billion tokens, not mineable.

XLM: Capped at 50 billion tokens, not mineable.

🔹 Decentralization

XRP: Criticized for being centralized due to Ripple Labs' control.

XLM: More decentralized with an open, non-profit approach.

🔹 Main Use Cases

XRP: Designed for large-scale transfers between institutions.

XLM: Tailored for small-scale, cross-border transactions and remittances.

Which one fits your needs depends on whether you prioritize institutional scale or individual accessibility.